81 Frank Norris St #406
Higher is a better buy. 50 is "priced about right for what it is". The last step curves the raw advantage onto 0–100, so points stop being one-for-one at the extremes.
💵What this unit actually costs per month
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($22,500). Common for small associations and not a defect on its own, but it does remove FHA buyers from your resale pool.
Minimum realistic down payment here: 5% · verify on HUD's lookup
Rate is the Freddie Mac PMMS 30-year average for the week of 2026-08-20 — a national survey figure, not a quote. Tax, insurance and closing costs are estimates; your own Loan Estimate is the real number.
This building's HOA fees
2 recorded pointsReconstructed from 4 units of recorded sales at 81 Frank Norris St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 15% below model fair value
- Upper floor (fl 4)
- Newer build (2007)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
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Description
By appointment Only. Unlock the potential of this smartly designed one-bedroom condominium in one of San Francisco's most desirable neighborhoods. Built in 2007, this residence offers the rare opportunity to personalize a modern home with mostly cosmetic improvements. Seller has vendor bids in place for new paint, flooring, carpet, and countertops, with all work estimated to be completed in under six weeks for less than $30,000. With an estimated new value of $550,000 after the work is completed, this is an exceptional value-add opportunity. The efficient floor plan features an open kitchen, spacious living and dining areas, in-unit washer and dryer, generous bedroom, and a private covered b